This paper investigates the RFID adoption and financing strategies in a supply chain with one manufacturer and one capital-constrained retailer facing an inventory misplacement problem. Based on whether the supply chain players adopt RFID and the capital-constrained retailer chooses to finance or not, we use the Newsvendor model to establish four profit models. We derive the corresponding optimal order quantity, prices and profits under different scenarios, and explore the equilibrium strategy for the supply chain. It is found that when the retailer's initial capital is moderate, adopting RFID technology can alleviate the retailer's financial constraints. When the retailer chooses to finance, the supply chain and its players can afford a higher RFID tagging cost. In addition, the proportion of the retailer sharing RFID fixed cost has a decisive effect on the RFID tagging cost thresholds that the manufacturer, the retailer and the supply chain can afford.